What To Do When You Can’t Pay Your USAA Bill
USAA is a bank for military servicemen and women, and their family members. They offer a wide variety of services including: checking and savings accounts, multiple types of insurance, mortgages, and credit cards.
How To Pay The Bill
USAA allows their customers to pay their credit card bills through an automatic transfer from their USAA bank account, through a one-time transfer from their USAA bank account, in person, by phone, and by mail.
To pay your USAA Bill through a bank transfer, login to your online banking account by visiting: https://www.usaa.com/inet/ent_logon/Logon and setup the transfer accordingly. If you only want to make a one-time payment, follow the steps for the transfer. If you want to set up automatic recurring payments so the bill is paid on the same day every month, you can set this up through your online account as well.
To pay your USAA bill in person at one of the financial centers, visit this financial center locator to find the branch nearest you.
To pay your USAA bill by phone, dial customer service at: 1-800-531-USAA (8722).
To pay your USAA bill by mail, send payment to:
USAA Federal Savings Bank
10750 McDermott Freeway
San Antonio, TX 78288-9876.
If you need to overnight payments via Federal Express, send them to the same address.
Questions About Your Billing Statement or Account?
Customers setting up bill payments with a USAA account may have questions about bill pay and related fees. The USAA Web BillPay FAQs answers some general questions. Customer service can answer more detailed questions at 1-800-531-8722.
How The Penalty Fees Work
The penalty fees vary based on the type of credit card account you have through USAA bank. Generally, if you are late with a payment, you will have to pay a fee. This also includes payments that are less than the minimum amount due. Late payments may also trigger interest rate increases. If your payment is returned by your bank, you may have to pay an additional fee to the credit card company on top of what the bank will charge you. If you go over the limit, you may also have to pay a fee.
I Can’t Make A Payment
If you cannot make your USAA bill payment on time, you should speak to a customer service representative as soon as you realize you will not be able to make a payment. Typically, the more time you give customer service to work with, the better the results are. You may be able to work out a payment agreement to keep your account in good standing or qualify for a deferment based on protection programs if your credit card offers this option. If you cannot make a payment though, you risk damaging your credit, and/or having your account sent to collections.
Will They Work With Me To Pay My Bill?
Will USAA work with you to pay your bill? If you have experience dealing with past due balances with your accounts with this company, please let us know what they did to help you. Share your story below to help our readers.